为确保保险事业提存准备金即使在极不利的环境之下仍能充分支应所有有效保单未 来之责任，多年以来ING集团提拨之保险责任准备金乃是采用相当严谨之90%信用区 间并且每年评估。

For many years ING has applied an annual test to assess whether insurance reserves are adequate to meet the estimated future payments on in-force policies using a prudent 90% confidence level.

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在保单的有效期内保证支付保险费。

Premiums are guaranteed throughout the term of the policy.

《柯林斯英汉双解大词典》

从依赖预期回报率转向死亡率能够有效地平衡资产负债，而不需依赖股东、保单持有人或监管者的智慧。

Tweaking an expected return here or a mortality rate there could magically bring both into balance, often without shareholders, policyholders or regulators being any the wiser.

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为有效控制长寿风险，可以利用保单条款控制风险、利用产品组合“对冲”风险、利用再保险分散风险、风险证券化以及开发金融衍生工具对冲风险。

In order to effectively manage longevity risk, we can use many methods such as policy term, product portfolio, reinsurance, longevity bond and financial derivatives, to control and prerent the risk.

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之后，对保险公司来说，当然还存在其它问题-，保险公司怎样才能使一份保单上，载明的内容合理而有效被执行呢？

Then of course, there's the other problem that the insurance company-- how does the insurance company reasonably specify that it can come through on this policy?

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之后，对保险公司来说，当然还存在其它问题-，保险公司怎样才能使一份保单上，载明的内容合理而有效被执行呢？

Then of course, there's the other problem that the insurance company-- how does the insurance company reasonably specify that it can come through on this policy?

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